“They were going to hire a Credit Repair Company”

   “They were going to hire a Credit Repair Company”



These clients shared with me that they planned on hiring a credit repair company that charged $150 per month. It would have been a waste of money. I spent an hour with them coaching them on what needed to be done, all of which they could do on their own.


Out of the 8 items that needed to be addressed half are completed already. Unfortunately many just don’t understand credit or what needs to be done to make things better. Once someone takes the time to coach them they can do all that is necessary on their own.


These folks were a quick study and within a couple of months will be on their way to home ownership.


Hi Joe,


Thank you again for taking the time to meet with us.  All the information you gave was very helpful and exactly what we needed. We have already started paying off some of the small bills on my credit and will be taking care of everything else next week.  Also we are meeting with a real estate agent this Saturday. Her name is XXXXXXX XXXXXX and she said that she knows you as well.


Image courtesy of StuartMiles/freedigitalphotos.net


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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 11 commentsJoe Petrowsky • August 10 2016 12:00PM


Great post, Thanks!

Posted by Stephen Jara, Senior Vice President Sales Management (William Raveis) over 2 years ago

Great post Joe. I've actually written a credit repair handbook and help many of my clients for free.

Posted by Mark Robinson, Honesty, Integrity, Service (Geneva Financial, LLC) over 2 years ago

Good morning Joe. This is an another example of why you are the best in the business.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 2 years ago

Joe, this is a great shout out for your professionalism and how you look out for the interests of your clients!

Posted by Bruce Walter (Keller Williams Realty Lafayette/West Lafayette, Indiana) over 2 years ago

Joe  It is so important for buyers to meet with a mortgage banker before looking for a house

Posted by Hannah Williams, Expertise NE Philadelphia & Bucks 215-953-8818 (Re/Max Eastern inc.) over 2 years ago

Good morning Joe. What happened to "false advertising"? A fool and his money are soon parted and the credit score remains unchanged! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 2 years ago

Well Joe Petrowsky We all know that you are the credit repair specialist. You just need to "charge" for this service. Yuo give too much away for FREE.

Bill Roberts

Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) over 2 years ago

Joe most of those credit repair companies are a rip off, and many times the borrower is worst off than when they started with them.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 2 years ago

Another great save Joe Petrowsky so many consumers just don't understand the basics of their credit.

Posted by Lisa Von Domek, ....Experience Isn't Expensive.... It's Priceless! (Lisa Von Domek Team) over 2 years ago

Thanks, Joe, for sharing this story. Many famlies need advice on improving their credit.

Posted by Roy Kelley (Realty Group Referrals) over 2 years ago

I heard the credit repair agencies actually can hurt your credit. Much of it is common sense and a good mortgage lender like you can walk them through it.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) over 2 years ago